I would hate to give up all of the cash back I earn on those cards. The card I use most often can be paid off at any time, multiple times throughout the month. I could start a practice of paying it off once or twice a week for a few months rather than paying right before the due date. That should keep my average balance low enough.

Your credit report is a snapshot of your credit activity on the day the credit report is pulled.

Each creditor reports to the bureaus at different times of the month.

Therefore, you would have to either (a) stop using credit for a while (2-3 months) so that your credit report snapshot shows zero balances at all creditors; or (b) find a lender that will allow you to demonstrate that you pay credit cards off each month.

Paying off once or twice per week won't help because you have no control over your creditors' reporting practices.

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